1. PROFILE
Senior Operations Manager with over twelve years’ experience at top-tier investment banks including Goldman Sachs,
Citibank and JP Morgan. Specialist knowledge in fixed income products including Commercial Lending, Whole Loans and
Mortgage businesses. Functional SME in Operations and Middle Office trade processing; with specific expertise in
Commercial Lending processes and trade flows. Expert in Middle Office Control functions. Skilled leader trusted with both
line and project responsibilities.
EXPERIENCE
JPMorgan, N.A. Aug 2013– Present
Associate, Manager of Control Group Middle Office
 Partner with Product and Finance Control to ensure data integrity, verification of PnL entries and daily
fundings/sales.
 Responsible for the interim service process for both NIJ and S&D desks; verification of loan balances and other
relevant loan characteristics upon settlement.
 Successfully reconciled over 100 aged cash/suspense items including sold loan receivables for our NI-Jumbo and
Scratch and Dent Loan desks.
 Daily tasks include: Monitor, post and reconcile all cash activity to the General Ledger; resolve cash breaks and
process all PnL and reserve entries; Process CMBS Funding, Deposits and Sold loan Receivables.
 Middle Office representative for SOX testing; instrumental in group passing yearly internal/external audit.
 Prepare and distribute management and metric reporting for all three businesses including Inventory positions
and Volumes, reconciliation and suspense breaks for all three trading desks.
 Partner with IB Tech to develop and upgrade software functionality; develop UAT scripts and coordinate testing.
 Hired to transition Middle Office Control functions from Lewisville, Tx to NY.
Standard and Poor’s, New York, NY Aug 2010–Aug 2013
Data Quality Associate, Data Solutions and Operations Group
 Leverage data management to improve the sophistication of S&P’s analytical and data capabilities in areas such as
surveillance, new issuances, quantitative analysis, product development and risk management.
 Liaison with different global teams and areas to make data and information efficiently available for analytical
activities and for new products and services and work closely with IT to build and maintain critical database
systems utilizing S&P-wide technology and architecture standards.
 Work with the heads of the business units and other project stakeholders to define data quality requirements;
understand their data reporting issues and partner with them to achieve higher data quality and enhanced
efficiency.
 Part of company and system wide upgrades and business value realization projects as well as various other user
acceptance tasks prior to program usability releases.
 Partner with managing directors and rating analysts and chairpersons in preparing necessary financial data for
rating committee presentations for both surveillance and new issue jobs.
Kostas Kalloudis
(917) 566-5088 Kostas.Kalloudis@hotmail.com
1KOSTAS KALLOUDIS

2. CIT Group, Livingston, NJ Sep 2008– Aug
2009
Consultant, General Accounting Operations
 Brought on as part of a consultant team to institute and implement reconciliation guidelines and put a process
framework for the firms financial statement accounts; this revised reconciliation framework was adopted as the
standard by which future accounts will be reconciled to.
 Completed the reconciliation of a major receivable and cash account with significant potential exposure and was
able to bring these accounts current from 2001; the open items found and reconciled totaled in excess of $2M.
 Trained existing staff through the implementation of standardized reconciliation templates and on the new
process framework put in place.
 Responsible for driving project status updates to senior management via weekly meetings; also communicated
with firms controllers and outside counterparties upon resolution of open items.
Goldman Sachs, Jersey City, NJ May 2006 – June 2008
AVP, Whole Loan Operations
Reconciled positions and differences against Servicer reports, ensured that Servicers correctly applied proceeds on
liquidated loans based on a specific waterfall, ensured that Servicers and Warehouse Lenders complied to Servicer and
Warehouse Agreements.
 Managed intraday monetary distributions and reported daily cash flows to the Trading Desk.
 Coordinated with Principal Finance on the settlement of trades, verified calculations on funding schedules,
updated trades in trading system with any updated trading information, ensured that all documentation and
signatures were received prior to funding.
 Updated Funding Desk with any increase or decrease of whole loan inventory.
 Worked closely with Controllers on any P&L related questions.
 Oversaw implementation of new product line and new accounting and sub-ledger platform; trained new staff on
new platforms and on whole loan business.
 Monitored various break reports, which included position break reports, suspense accounts and cash accounts,
ensured that any open items were resolved quickly and accurately.
EDUCATION
Baruch College, New York, NY
Masters in Business Administration GPA 3.5
Bachelor in Accounting and Finance
TECHNICAL SKILLS
Software Packages
SecDB, Quantum, ACBS, Business Manager, M5, RPM, CORE, SBO2000
ACTIVITIES
Bloomfield Township / St George Greek Orthodox Church
• Coached the 12-13 year old boys in-town basketball team (2 years)
• Volunteer baseball coach for Bloomfield Little League
• Coach of Barclays co-ed and men’s softball teams
• Assistant Coach of GOYA Church Basketball Team
• Parish Council Member at Local Church
• Various volunteer initiatives at JP Morgan like Build-A-Bear, NYC Civic Corps Interview training and Salvation
Army work
• CPR and First Aid Certified
2KOSTAS KALLOUDIS